Strategy in Action Investor Presentation
PCL Ratios
(Total PCL as % of average loans & BAs)
Q1/12
Q2/12
Q3/12
Q4/12 Q1/13
Canadian Banking
Retail
0.23
0.22
0.21
0.20
0.18
Commercial
0.36
0.22
0.22
0.46
0.14
Total
0.25
0.22
0.21
0.23
0.18
International Banking
Retail
1.90
1.79
1.99
2.03
2.12
Commercial
0.00
0.09
0.13
0.13
0.12
Total
0.65
0.71
0.81
0.84
0.87
Global Wealth Management
0.03
(0.01)
0.09
0.08
0.04
Global Banking and Markets
Corporate Banking
0.06
(0.01)
0.16
0.12
0.05
All Bank (ex. collective allowance
0.32
0.31
0.34
0.36
0.32
on performing loans)
All Bank
0.32
0.31
0.46
0.36
0.32
Scotiabank
33
(1) Includes the impact of Colombian purchased portfolio. The Bank expects the PCL ratio to rise with
the maturity of the acquired portfolio. See pg 10 of the First Quarter Report to Shareholders.
Lower Net Impaired Loan Formations
($ millions)
500
400
326
299
300
200
100
394
374
355
349
295
241
216
0
Q1/11 Q2/11
Q3/11
Q4/11
Q1/12
Q2/12
Q3/12
Q4/12
Q1/13
(1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico
Scotiabank
34View entire presentation